Video & Transcript Research : 'cost of borrowing'
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TX
Texas 89th Regular
Trade, Workforce & Economic Development May 21st, 2025
Trade, Workforce & Economic Development
Transcript Highlights:
- amount of what it costs to file these certifications with the Secretary of State.
- that into the consideration as part of the business costs.
- I will get more information on the cost of compliance to you all just to make sure you have a full picture
- of law of the land."
- We do have some concerns about the impact that it could have on the cost. ...and the availability of
Keywords:
SB 1361, Texas disaster recovery loan, small business loan, micro-business loan, community development financial institution, CDFI, economic disaster assistance, post-disaster financing, business recovery fund, Texas Economic Development Bank, zero-interest loan, working capital, payroll support, health benefits, job retention, declared disaster, small business relief, microenterprise, franchise exclusion, private equity-backed business
TX
Transcript Highlights:
- It provides a foundation of responsibility without overwhelming costs for service providers, creating
- Under House Bill 4348, such projects would face months of delays, new costs, and possibly cancellations
- In Dallas County alone, over 50% of our renters are housing cost burdened.
- For Carvana, this would mean an estimated 4200 hours of extra processing time, additional operating costs
- , over $200,000 in wages and benefit costs, and the prevention of automation of key customer experience
Bills:
HB 341, HB 469, HB 971, HB 1624, HB 2721, HB 2959, HB 3365, HB 3731, HB 3793, HB 3861, HB 3946, HB 3966, HB 4348, HB 4401, HB 4402, HB 4924, HB 4966, HB 5563
Keywords:
affordable housing, zoning, development, community support, local regulations, bicycle lanes, traffic collisions, Texas Department of Transportation, study, public safety, bicycles, electric bicycles, scooters, road safety, transportation study, commercial vehicle, safety standards, enforcement, Texas counties, transportation
TX
Transcript Highlights:
- Also, we want to say another source of high-cost lending is paid-out and auto title lending.
- It's the cost of funds that come in, the cost of servicing, and then the losses that happen for the credit
- So it won't be assumed that that's just the cost of doing business.
- of what it costs to file these certifications with the Secretary of State's office.
- mean, is does that is it because of the cost?
Bills:
SB 1113, SB 1117, SB 1206, SB 1460, SB 1802, SB 1906, SB 1917, SB 2340, SB 2455, SB 2680, SB 2690, SB 705, SB 748
Keywords:
SB 1113, converter's license, converter license, motor vehicle dealer, auto dealer, vehicle conversion, converted vehicles, direct sales, retail sales, trailer, semitrailer, manufactured trailer, chassis, manufacturer's statement of origin, MSO, Occupations Code, Transportation Code, Texas Department of Motor Vehicles, dealer licensing, general distinguishing number
Summary:
The meeting of the Senate Business and Commerce Committee was marked by discussions on several significant bills, with a keen emphasis on legislative updates and committee substitutes. Notably, Senator Blanco presented a new committee substitute for SB2610, which modifies the employee cap from 100 to 250 and extends the update timeline for cyber security programs for small businesses. This substitute was adopted unanimously, reflecting a collaborative agreement among the committee members. Additionally, there were discussions surrounding SB1856 as Senator Crayton provided insights into how stakeholder feedback influenced the bill's committee substitute. The committee ultimately voted in favor, pushing it towards the local and contested calendar, indicating the bill's progression through legislative channels.
TX
Transcript Highlights:
- Studies show that nearly 41% of men in state prisons and 69% of women have a history of mental health
- Contribution of time to the leave pool is on a voluntary basis only, and there is no cost to the taxpayer
- of Texas.
- It is a matter of public safety, of justice, and of protecting the most vulnerable. vulnerable members
- Department of Justice, individuals convicted of sexual exploitation and trafficking of minors show high
Bills:
HB153, HB1828, HB2306, HB2498, HB3464, HB3488, HB3636, HB3673, HB3834, HB3860, HB4120, HB4937, HB1515, HB153
Keywords:
education, funding, student resources, technology access, equal opportunity, veterans treatment court, mental health, criminal justice, rehabilitation, eligibility criteria, veterans, treatment court, military service, legislation, legislative leave, correctional officers, Texas Department of Criminal Justice, accumulated leave, compensatory time, parole eligibility
TX
Transcript Highlights:
- We also provided that proceeds can cover the cost of a successful divestment proceeding.
- also asking shut down the lottery the Cost of family and individuals have become too high.
- My husband's addiction cost our family over $120,000 and 40 years of addiction. of his life and seriously
- Some of the cost of jump-starting those infrastructures.
- costs and sufficient amount of time.
Keywords:
business organization, internal management, corporate governance, partnerships, liability reduction, birth certificate, biological sex, gender identity, health and safety, sex assignment, SB 875, Texas, independent school district, ISD, school board trustee, superintendent, campus administrator, electioneering, political signs, early voting
OK
Transcript Highlights:
- HJR1099 is a direct result of HB1576, which was passed by the legislature last year regarding rules with
- real quick, is there any Commentary or notation we should know about this HDR1100 with the late change of
Keywords:
Oklahoma Medical Marijuana Authority, OMMA, medical marijuana, cannabis, marijuana regulation, administrative rules, major rule changes, joint resolution, legislative rule approval, Title 75, Oklahoma Administrative Code, OAC, licensing, compliance, enforcement, dispensary, grower, processor, patient access, health care authority
HI
Hawaii 2026 Regular Session
House Chamber - Mon Apr 27, 2026, 12:00PM HST - Day 52
Hawaii House Floor Meeting
Keywords:
elections, chief elections officer, termination for cause, Hawaii election law, elections commission, commercial drivers license, non-domiciled, federal regulations, commercial learner's permit, citizenship, lawful residency, Department of Transportation, workers' compensation, vocational rehabilitation, injury recovery, employment services, return to work, military families, family leave, qualifying military exigency
HI
Keywords:
elections, chief elections officer, termination for cause, Hawaii election law, elections commission, commercial drivers license, non-domiciled, federal regulations, commercial learner's permit, citizenship, lawful residency, Department of Transportation, workers' compensation, vocational rehabilitation, injury recovery, employment services, return to work, military families, family leave, qualifying military exigency
HI
Keywords:
elections, chief elections officer, termination for cause, Hawaii election law, elections commission, commercial drivers license, non-domiciled, federal regulations, commercial learner's permit, citizenship, lawful residency, Department of Transportation, workers' compensation, vocational rehabilitation, injury recovery, employment services, return to work, military families, family leave, qualifying military exigency
HI
Keywords:
elections, chief elections officer, termination for cause, Hawaii election law, elections commission, commercial drivers license, non-domiciled, federal regulations, commercial learner's permit, citizenship, lawful residency, Department of Transportation, workers' compensation, vocational rehabilitation, injury recovery, employment services, return to work, military families, family leave, qualifying military exigency
HI
Keywords:
elections, chief elections officer, termination for cause, Hawaii election law, elections commission, commercial drivers license, non-domiciled, federal regulations, commercial learner's permit, citizenship, lawful residency, Department of Transportation, workers' compensation, vocational rehabilitation, injury recovery, employment services, return to work, military families, family leave, qualifying military exigency
HI
Keywords:
elections, chief elections officer, termination for cause, Hawaii election law, elections commission, commercial drivers license, non-domiciled, federal regulations, commercial learner's permit, citizenship, lawful residency, Department of Transportation, workers' compensation, vocational rehabilitation, injury recovery, employment services, return to work, military families, family leave, qualifying military exigency
MN
Minnesota 2025-2026 Regular Session
Human Committee Meeting - 2026-04-16
Human Services Finance and Policy
Transcript Highlights:
- ><00:14:06.720>
fraud know a lot of us are tired of the fraud know a lot of us are tired of the - risk of a conflict of even introduce the risk of a conflict of interest<00:19:56.760>
like <00: - of the of Attorney It's the whole action of the of Attorney General's<00:47:29.720>
office. - <00:58:49.600>
of you just give me some examples of of you just give me some examples of of - of adoption of the All those in favor of adoption of the DE1<01:04:19.040>
as <01:04:19.280>
Bills:
HF4338
Keywords:
human services, medical assistance, Medicaid, provider enrollment, provider revalidation, fraud prevention, program integrity, background study, background check, fingerprinting, licensing, license revocation, payment withholding, payment suspension, prepayment review, postpayment review, surety bond, compliance training, case management, targeted case management
MN
Transcript Highlights:
- I would like an idea of what the cost<00:08:57.120>
would <00:08:57.280>be cost would - increases a risk or a cost in another part of the system.
- >
part <00:53:26.880>of <00:53:26.960>the risk or a cost in another part of the - risk or a cost in another part of the system. system. system.
- And there's a remaining question around how much will that cost and is there a rate of return?
Keywords:
HF4470, Melissa Hortman, memorial, statue, memorial garden, State Office Building, Capitol Mall Design Framework, capital investment, appropriation, Capitol Area Architectural and Planning Board, Department of Administration, public art, commemorative monument, landscaping, artist selection, family consultation, Minnesota legislature, state building site, capital appropriation, political subdivisions
AZ
Arizona 2026 Regular Session
03/18/2026 - Senate Regulatory Affairs and Government Efficiency
Regulatory Affairs and Government Efficiency
Transcript Highlights:
- Their analysis anticipates a state cost of $1.8 million in general fund.
- In the state of Arizona, 89% of women initiate breastfeeding at the time of birth.
- the site and the estimated cost of the facilities and site as proposed by the applicant, and the estimated
- cost of the facility. ...and site as proposed by the applicant and the estimated cost of the facilities
- a potential increase in the cost of electricity generation to the customers and the applicant.
Keywords:
AHCCCS, lactation care, breastfeeding, health services, healthcare access, HB2324, fire code, fire marshal, state fire marshal, municipalities, cities and towns, county-owned buildings, county buildings, intergovernmental agreement, IGA, fire inspection, occupancy certificate, building inventory, local government, county government
AZ
Arizona 2026 Regular Session
03/04/2026 - House Federalism, Military Affairs & Elections
Federalism, Military Affairs & Elections
Transcript Highlights:
- of the deceased candidate.
- Chairman and members of the Committee, for the record, Heather Wokey on behalf of the Town of Queen Creek
- in support of Senate Bill 1029.
- The genesis of this legislation unfortunately comes from the unfortunate passing of two of our past town
- of an alternative treasurer.
Keywords:
campaign finance, contribution limits, reporting requirements, political action committees, elections, campaign contributions, candidate committees, posthumous provisions, termination process, Arizona Revised Statutes, voting systems, vote tabulation, election security, internet connectivity, offline voting, chain of custody, polling place equipment, counting center, central counting center, election management system
MN
Minnesota 2025-2026 Regular Session
House Health Finance and Policy Committee 3/2/26
Health Finance and Policy
Transcript Highlights:
- The evidence to date shows that PE investments in outpatient practices increase the cost of care by 10
- ><01:09:33.839>
to <01:09:34.080>26% increase the cost of care by 10 to 26% increase the - cost of care by 10 to 26% depending<01:09:35.520>
on <01:09:35.679>the <01:09:35.920> to our health care system in terms of to our health care system in terms of cost,<01:21:34.719>< - > not<01:27:01.840>
a a cost of doing business, not a a cost of doing business, not a meaningful
Keywords:
gun violence, public health, Department of Health, prevention, criminal justice, health care transparency, ownership disclosure, control reporting, health care consolidation, private equity, management services organization, MSO, provider organization, health insurer, pharmacy benefit manager, hospital system, affiliate reporting, financial disclosure, public reporting, market concentration
Summary:
The House Finance and Policy Committee met on March 2 with a quorum present and heard House File 3668, which would create a state Office of Gun Violence Prevention. The bill author argued the office would treat gun violence as a public health crisis, improve research and coordination, and help reduce deaths and trauma, especially among children. Several supporters testified, including representatives from the Minnesota Medical Association, Protect Minnesota, family medicine, public health, and obstetrics/gynecology, all emphasizing firearm injury and suicide as major public health problems and urging a coordinated, data-driven response. Multiple testifiers shared personal accounts of shootings and their effects on children and families, including the Annunciation shooting, and said the office could help align prevention efforts across health care, law enforcement, and community organizations.
Opposition came from the Minnesota Gun Owners Caucus, which argued the bill would create a permanent taxpayer-funded bureaucracy that could be used to shape firearm policy and restrict a constitutional right. The group said Minnesota should focus instead on enforcing existing laws, prosecuting violent offenders, and providing direct victim services. During committee discussion, Vice Chair Nadeau offered an A2 amendment to move the proposed office from the Department of Health to the Department of Public Safety, citing data-sharing, accountability, and examples from other cities and states; after discussion with the bill author, he withdrew the amendment. Chair Becker then noted existing state and local spending on violence prevention and public safety programs and raised concerns about duplication of effort.
FL
Florida 2026 Regular Session
Appropriations Committee on Criminal and Civil Justice Feb 25th, 2026
Appropriations Committee on Criminal and Civil Justice
Transcript Highlights:
- the due process cost to the JAC for reimbursement, subject to legislative appropriation, of course.
- Violation of the criminal laws of the state or of the United States, or a violation of 815.06.
- Even promotion of really bad ideas, of promoting ideas of violence Even promotion of really bad ideas
- I am a proud member of the Church of Jesus Christ of Latter-day Saints.
- Florida out of fear of their treatment.
Keywords:
security detail, protective detail, candidate protection, election security, statewide office, governor, lieutenant governor, cabinet officer, nominee, officer-elect, FDLE, Florida Department of Law Enforcement, primary election, general election, canvassing commission, political party, minor party, campaign safety, election protection, public safety
Summary:
The committee first considered SB 536, which updates Florida’s criminal gang statutes to reflect modern recruitment and communication methods, including social media and encrypted messaging. Senator Martin and supporters said the bill does not criminalize gang membership, but helps law enforcement and prosecutors establish gang-related connections for warrants and sentencing enhancements. Senator Smith raised concerns about the lowered threshold for being observed with gang members and possible unintended impacts on business owners and others; Martin said the language was not intended to cover ordinary business interactions and that a gang tattoo must be one used by the gang. After an amendment aligning the Senate bill with the House version was adopted, the committee reported CS/SB 536 favorably. The committee also favorably reported CS/SB 762, which allows chief judges to assign capital conflict cases across regional counsel offices, with an amendment requiring judges to consider judicial economy and geographic proximity. Testimony from regional counsel emphasized projected long-term savings, estimated at about $150 million over 10 years. The committee then approved CS/SB 1742, creating a new indecent exposure offense involving sexual conduct directed at minors, and CS/SB 1750, which increases penalties for serious sex crimes and child sexual abuse material offenses; both bills were amended before passage, with law enforcement groups appearing in support.
The committee next took up SB 1582, which creates statewide data sharing for secondhand dealer and pawnbroker transactions without creating a new state-run database, while preserving confidentiality protections and law enforcement access. An amendment was adopted, and pawnbroker and recycling stakeholders testified in support. The linked public records bill, SB 1792, creating an exemption for those transaction records while allowing certain information to be released to alleged owners, was also reported favorably. The committee then approved CS/SB 500, which provides FDLE protective security details to major party nominees for governor, lieutenant governor, and cabinet offices after primary certification and until the general election is resolved; a technical amendment was adopted, and the bill was described as mirroring federal candidate protection practices.
The longest and most contentious discussion was on CS/SB 1632, which would bar Florida courts from enforcing foreign or religious law in a way that overrides the U.S. or Florida constitutions and would create a process for designating foreign or domestic terrorist organizations, with related consequences for schools, funding, and student conduct. Senator Grall said the bill is intended to protect constitutional principles and target violent, criminal conduct rather than protected speech or religious practice, and she explained that designations would follow a public process with judicial review. Senators Smith and Polsky pressed repeatedly on First Amendment, due process, vagueness, and academic-speech concerns, asking how “promotion” would be defined and whether students, attorneys, or advocacy groups could be swept in; Grall said she was open to clarifying language but maintained the bill is aimed at furthering illegal acts, not mere opinion. Numerous speakers opposed the bill, warning it could be used to target Muslim students, religious communities, advocacy groups, and political dissent, while a few supporters argued it was needed for public safety. The transcript ends during public testimony on SB 1632, with no final committee vote shown in the excerpt.
HI
Hawaii 2026 Regular Session
CPC Public Hearing - Thu Feb 12, 2026 @ 2:00 PM HST
Consumer Protection & Commerce
Transcript Highlights:
- These complaints have now totaled over $1.3 million, coming at the cost of Hawaii consumers and visitors
- cost of Hawaii consumers coming at the cost of Hawaii consumers and<00:10:53.160>
visitors <00 - displacement and the cost of a comparable unit within the same district.
- an analysis of all the costs that are incorporated, including what will arise from this.
- the size of the unit and then the cost the size of the unit and then the cost structure.<01:21:59.560
Keywords:
cosmetics, returns, refunds, consumer protection, high-pressure sales, transparency, accountability, HB1660, Hawaii, county labor standards, counties, contractors, building permits, permit denial, permit suspension, permit revocation, wage theft, wages, benefits, hours
Summary:
The committee heard testimony on HB 2614, which would require merchants selling cosmetics to accept returns of newer unopened goods within specified time frames and expand signage requirements for return and refund policies. DCCA’s Office of Consumer Protection strongly supported the bill, citing updated figures of 180 cosmetic complaints from 2020 to 2025, 54 still under investigation, 148 referred to class action litigation, and more than $1.3 million in consumer losses. Members questioned whether the bill was needed given the pending lawsuit and whether bad actors would comply, while the office responded that clearer signage would improve consumer awareness and could reduce complaints without limiting other remedies. No vote was taken.
The committee then heard HB 1660 HD1, which would allow counties to require contractors to disclose wage, benefit, hour, and employment-status information and to deny, revoke, or suspend permits for certain labor-law violations. DLIR, the Hawaii Regional Council of Carpenters, Operating Engineers Local 3, and Pacific Resource Partnership testified in support, arguing the measure would help deter cheating contractors, protect law-abiding employers, and keep bad actors from undercutting wages and taxes. One member raised concerns about possible delays to affordable housing projects and whether owners should be held responsible for contractors’ misconduct; supporters replied that compliance is a minimum standard, that county action would be discretionary rather than automatic, and that the bill would not bar counties from working with affordable housing developers. No action was reported.
Finally, the committee took up HB 1704, adopting the Psychology Interjurisdictional Compact to allow telepsychology and temporary in-person practice across state lines. The Department of Corrections and Rehabilitation, the State Health Planning and Development Agency, the Hawaii State Association of Counties, and the Hawaii Association of Health Plans supported the measure, saying it would help fill major staffing gaps, especially for forensic evaluations and services in rural and neighbor-island communities. The Board of Psychology raised concerns about the compact’s scope, the need for a study focused specifically on psychologists, background-check requirements, possible loss of regulatory authority and revenue, and the need to update older statutory provisions. Hawaii Association for Justice opposed the immunity language in the compact, and Shawn Scanlon opposed the bill, arguing it could weaken cultural responsiveness and local control and suggesting the state instead improve temporary licensing and other in-state pathways. The committee also questioned the Department of Corrections about its vacancies and whether telehealth could be filled by local providers; no vote was taken in the excerpt.
NM
Transcript Highlights:
- Of the state. And we also included just over $2 million for increased insurance and rate costs.
- And the cost of that complex case compensation is going up, as it should.
- And this committee is aware that, you know, the average cost of a vehicle is about $90,000.
- Chair, members of the committee, the rates are... ...a major cost issue for our department, and the costs
- talking about increasing the cost of building.
Keywords:
State Fairgrounds District, fairgrounds bonds, public financing, bond authorization, gross receipts tax, gaming tax, tax-backed bonds, infrastructure funding, Albuquerque fairgrounds, State Fair Tid, economic development, municipal bonds, revenue pledge, capital projects, New Mexico finance, special education, office of special education, deputy secretary, public education department, IEP